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| Norman P. Chiodras |
| IMPORTANT DISCLOSURE INFORMATION Retirement Planners, Inc. ("RPI") is an Illinois state registered investment adviser located in Oak Brook, Illinois. RPI and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by those states in which RPI maintains clients. RPI may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. RPI's web site is limited to the dissemination of general information pertaining to its advisory services. Accordingly, the publication of RPI's web site on the Internet should not be construed by any consumer and/or prospective client as RPI's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by RPI with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of RPI, please contact the state securities law administrators for those states in which RPI maintains a registration filing. A copy of RPI's current written disclosure statement discussing RPI's business operations, services, and fees is available from RPI upon written request. Investment adviser representatives of RPI are also representatives of Mack Investment Securities, Inc. ("Mack"), an investment adviser and broker-dealer registered with the United States Securities and Exchange Commission, and a member of both the National Association of Securities Dealers, Inc. ("NASD") and Securities Investor Protection Corporation ("SIPC"). Representatives of Mack, may, in their individual capacities, provide investment advice and/or effect securities transactions in those states in which both Mack and the specific representative is registered, or qualifies for an exemption or exclusion from registration requirements. For information pertaining to the registration status and/or disciplinary history of Mack or any registered representative of Mack, please contact the SEC, NASD and/or state securities law administrators for those states in which Mack and/or the specific representative maintain a notice or registration filing. RPI does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to RPI's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy, or product (including the investments, investment strategies, and/products recommended or undertaken by RPI or its President, Norman P. Chiodras, in his individual capacity as a registered representative and investment adviser representative of Mack), made reference to directly or indirectly by RPI in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. Certain portions of RPI's web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, RPI's (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from RPI, or from any other investment professional. RPI is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to RPI's web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from RPI, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her/its access to RPI's web site, to release and hold harmless RPI, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from RPI. |
Our Mission Statement
Our ADV Part II (background and history of the firm) is available on line or upon request.
Norman P. Chiodras is the owner of Retirement Planners, Inc. which is a non-registered NASD firm. Mr. Chiodras clears his security investments through Mack Investment Securities, Inc., 1939 Waukegan Road, Glenview, IL 60025 (847-657-6600). RPI, Inc is a Registered Investment Advisor, registered with the State of Illinois.
For more information or comments about this web site contact:
Norman P. Chiodras
Retirement Planners, Inc.
2001 Midwest Road, Suite 107
Oak Brook, IL 60523-1335
Phone: 630-495-9700
Toll Free: 1-877-RETIRES (1-877-738-4737)
Fax: 630-495-9720
Copyright © 1998 Retirement Planners, Inc.
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